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Irma Margarita
Irma is 62 years old, and she is a very commendable woman who works very hard to contribute towards the income of her home along with her husband. She has been selling beauty products for a long time now, while her husband is a livestock farmer.

In order to improve the conditions of her home, she wishes to repair her kitchen, as it is currently an outdoors kitchen and she would like to protect her belongings. This is why she is requesting a loan through FUSAI, to buy wood, corrugated metal sheets and nails. Irma acknowledges having the means to repay the loan.
View original language description ↓

Irma de 62 años de edad es una mujer admirable quien con mucho esfuerzo logra sacar los ingresos para llevar el sustento a su hogar. Junto a su esposo mantienen la economía de su hogar, Irma se dedica a la venta de productos de belleza desde hace mucho tiempo y su esposo es un pequeño ganadero quien con mucho esfuerzo logra sacar los ingresos diarios. Con el fin de mejorar sus condiciones desea reparar su cocina puesto que en la actualidad la tiene al aire libre y desea asegurar sus pocas pertenencias. Por lo anterior solicita este crédito a FUSAI para invertir en la compra de madera, lámina galvanizada y clavos. Expresa tener la capacidad de pago que el crédito implica.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About El Salvador

  • $7,500
    Average annual income
  • 760
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Irma Margarita to buy wood, corrugated metal sheets and nails.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 8, 2013
Nov 22, 2013
Currency Exchange Loss:
Nov 20, 2014